Glass half empty or glass half full?

Published: September 12, 2014

When I left work in 2007 the ASX was around 6500 and I’m still waiting to recoup my initial investment. We didn’t go into recession, our interest rates are at record lows, unemployment is manageable and we have a triple AAA rating. So why has the Australian market been wobbling around like a drunken sailor […]

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Am I too young for a self-managed super fund (SMSF)?

Published: September 12, 2014

Some of my friends in their 30s have set up an SMSF. I don’t have a large super balance but want control. Is it worth it? If you’re under 55 and thinking about setting up a self-managed super fund (SMSF) you’re not alone. SMSFs are being established by younger Australians in a shift in the […]

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Am I better off renting or buying a home?

Published: September 12, 2014

An impossible dream? The thought of buying a home can be exciting and daunting. The deposit amount and ongoing interest charges can really add up, making home ownership seem out-of-reach—especially in today’s housing market. It’s no wonder many potential home buyers are asking whether they’d be better off renting. The good news is renting and […]

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Users to pay for aged care

Published: June 12, 2014

The decision around whether to get some home help or move to where you or a loved one can get support and care is never an easy one. But from 1 July changes to the aged care system should give individuals and families a clearer understanding of the choices they have and the cost of […]

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Planning to avoid financial mistakes

Published: June 12, 2014

Selling shares when prices have tumbled or buying a house at the height of a property boom only to dispose of it when the market falls are among the financial set-backs that can happen to anyone on the road to retirement. Everyone makes mistakes during their investment lifetime; the trick is to avoid them when […]

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The critical role of asset allocation for investors

Published: April 2, 2014

One of the big swings in thinking around investment management relates to the perceived importance of asset allocation, ie the relative exposure to asset classes like global shares, Asian shares, Australian shares, bonds, unlisted property and cash. Through the long strong secular bull market that went from 1982 through to 2000 (or up to 2007 […]

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Home equity could help fund aged care

Published: March 31, 2014

A person’s home is their castle and any equity in it is the owner’s to use as they wish. But the large amount of untapped wealth that is tied up in homes around the country has not gone unnoticed by the Government and others. Two high profile reports as referred to below have raised the […]

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Australia’s growing population. Get ready.

Published: March 31, 2014

There are 5.2 million boomers in Australia born from 1946 to 1964. This compares with six million generation Xers born between 1965 and 1983. Generation Y, born across the 18 years to 2002, is expected to peak at about 7.4 million next decade.[1] With Australia’s population expected to swell by mid-century and the first wave […]

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Closing the insurance gap

Published: March 31, 2014

Will your insurance stretch to cover the needs in your life? Most Australians fall way short – as you’ll read here. Over 95% of Australian families don’t have enough insurance, meaning we are underinsured by a collective $1.37 trillion.1 But just take a moment to think about what would happen if you were out of […]

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Making a smooth transition

Published: March 31, 2014

With a Transition to Retirement strategy you can continue working and access your super. Retirement used to represent a sharp break with the past—one day you were working full time, the next you were sitting at home with the rest of your life ahead of you. These days, the transition doesn’t have to be quite […]

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